Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for a unique system for controlling transactions based on command gestures. In one embodiment of the invention, a computer-implemented method determines that a user is conducting a transaction with a mobile device. The mobile device senses a gesture performed by the user with the mobile device and alters at least one aspect of the transaction based on the gesture. The gestures can control a wide variety of aspects of the transaction. For example, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction. In an embodiment, the user is able to customize the gestures to control the transaction according to the user's preferences.

Abstract: A mobile device with a rewritable general purpose card is disclosed. The mobile device includes a mobile wallet accessible to the user such that the user may select a payment vehicle (e.g., debit card, credit card, gift card, etc.) or other vehicle (e.g., merchant loyalty cards, membership cards, rewards cards, medical cards, insurance cards, identification cards, etc.) and encode data related to that vehicle to the rewritable general purpose card. The user may then utilize the encoded general purpose card to make a transaction. Generally, the general purpose card includes one or more displays which may be configured to display information, graphics, data, etc. (e.g. account number, expiration date, user identification such as name and/or photograph, card brand logo, bar codes or other codes readable to an electronic device, etc.).

Abstract: Embodiments of the invention include systems, methods, and computer-program products that provide for an enhanced mobile application for assisting users at a point-of-transaction (POT). In one embodiment of the invention the POT assistance application program may determines that a user is conducting a transaction with a merchant. The user may utilize a user device to assist in the transaction. First, the user device may be paired with a POT system, such as a cash register. Once the devices are paired a communication link is created that allows the user to audibly and/or visually monitor the transaction using the user device. Furthermore, the user may flag an item for review during the transaction, silence the transaction, receive a subtotal for the transaction, select a payment method, or complete the transaction using the POT assistance application program.

Abstract: A system and method for scalable systems management where a plurality of devices in a system is managed with a systems management infrastructure. An abstraction layer software application is implemented overlaying the systems management infrastructure for managing task distribution and status gathering for the plurality of devices in the system. A web interface is provided by the software application, the web interface being useable by a user to manage the task distribution and the status gathering. The task distribution may include gateway load balancing, distributing software updates, distributing new software for installation, or distributing software fixes. The status gathering may include performing a hardware inventory scan of a device, performing a software inventory scan of a device, identifying what software is installed on a device, or identifying types of hardware components in a device.

Abstract: An internet browser-based portal system is provided. The internet browser-based portal system may be configured to receive information relating to a plurality of Automated Teller Machines (“ATMs”). The internet browser-based portal system may be further configured to classify each of the ATMs according to the fault information received for each of the ATMs. The internet browser-based portal system may also be configured to display information for each of the ATMs based at least in part on the classification of each of the ATMs.

Abstract: Embodiments of the present invention relate to methods and apparatuses for responding to a problem associated with a self-service machine. For example, some embodiments provide a method that includes: (a) determining that a problem associated with a self-service machine occurred during a transaction involving the self-service machine and a user of the self-service machine; (b) prompting, via a user interface associated with the self-service machine, the user to submit a request, where the request is to receive, at a mobile device accessible to the user, a communication regarding the problem; (c) receive the request via the user interface; and/or (d) send the communication regarding the problem to the mobile device accessible to the user.

Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.

Abstract: Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first location. The mail may be scanned at the first location and information may be extracted from the envelopes and items within the envelopes. The information may be verified and grouped into electronic transactions. The electronic transactions may be classified and sorted into batches based on identifiers contained within the information extracted from the mail. The batches of electronic transactions may be processed and information relating to the transactions may be stored.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for determining investigation prioritization for suspicious events within a financial institution. The present invention provides for continuous tuning of the risk score associated with a suspicious event or event group to insure accurate investigation prioritization based on the risk score. In addition, the present invention continuously tunes the risk score based on the sample size of cases (i.e., the confidence) used to determine the risk assessment (i.e., the effective Suspicious Activity Report (SAR) yield attributed to the event or event combination).

Abstract: Systems and methods for integrating biometric authentication with video conference sessions are described. An individual seeking to participate in a video conference may first be identified with a biometric parameter such as an iris scan based on a comparison of the scanned iris with a database of stored parameters. If authorized, the system may connect the individual to the video session. In addition, the system may generate dynamic tags that allow the participants to identify and locate individuals in the video conference. For example, if one of the participants is speaking and moving within the room, her tag may change color and move with her on the video screen.

Abstract: Methods, computer readable media, and apparatuses for balancing the number of transaction requests with the number of applications running and processing information for those transaction requests are presented. According to one or more aspects, a message queue receives one or more messages, each including a transaction request, from a computing device. The message queue sends a trigger message to a trigger queue. The load balancing utility monitors the number of messages in the message queue and determines a number of transaction requests to process and starts a number of additional applications to process the additional transaction requests. The applications process the transaction requests and send a response for each of the transaction requests to the message queue. The message queue sends the response back to the computing device.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a predictive analytics platform. First, the platform may be populated by individuals or entities with data. The data may then be categorized into a searchable format. The data may be analyzed to create feed category data and patterns that may provide indications of future trends. The future trends may be in the financial, risk, or product development fields. In this way, the invention may combine data from multiple sources into a single platform for predictive analytics, thus using current data to attempt to predict future trends. Individuals and entities may have access to the platform to analyze the data on the platform or receive patterns previously provided by the system, in order to further predict future trends.

Abstract: Assessing risks arising from relationships with third-parties that support the operations or strategic goals of an organization, such as a bank, are provided. A risk assessment system receives risk assessment values respectively corresponding to the likelihood, severity, and control for a risk item associated with a third-party relationship. The risk assessment system then determines a risk priority value for the risk item based on the risk assessment values. The risk assessment system may prioritize multiple risk items according to their respective risk priority values, risk categories, or both. In some arrangements, the risk assessment system may identify a risk item for additional risk mitigation and determine a risk mitigation action plan for the identified risk item.

Abstract: Methods, computer readable media, and apparatuses for managing calls in an interactive voice response system are presented. According to one or more aspects, a call from a user or customer is received by an interactive voice response system. The interactive voice response system retrieves user information based on user credentials. An interactive voice response program analyzes the user information and determines a first business rule to retrieve. A decision tree application retrieves the first business rule and analyzes the information within the first business rule. The decision tree application may retrieve one or more additional business rules based on a decision from the first business rule. The decision tree application makes a decision based on the information within the business rules and sends the decision to the interactive voice response application. Based on the decision, the interactive voice response application manages the call in the interactive voice response system.

Abstract: Embodiments of the invention are directed to receiving one or more triggers associated with a customer of a financial institution, determining, using one or more processing devices running an intelligent logical model, one or more weightings, each of the one or more weightings corresponding to one of the one or more triggers, applying the weighting to each of the one or more triggers resulting in one or more weighted triggers, and determining, based on at least one of the weighted triggers, a marketing action to initiate. In some embodiments, the invention is also directed to initiating the determined marketing action, receiving feedback corresponding with the customer of the financial institution, the feedback also corresponding to the determined marketing action, inputting the customer feedback to the intelligent logical model, and associating the feedback with the one or more triggers and the determined one or more weightings.

Abstract: Embodiments of the invention are directed to methods, systems, apparatus and computer program products for collecting location data, wherein the location data comprises information related to a physical location of a user, retrieving, based at least in part on the collected location data, aggregate data related to the product, the aggregate data comprising at least one of aggregate demand data or aggregate supply data, identifying at least one offer related to the product based at least in part on the collected location data and the retrieved aggregate data; and communicating the offer to the user.

Abstract: In an exemplary embodiment, a method includes receiving a request to access a data set comprising a plurality of data entries. A data entry comprises one or more data values that are each associated with a field identifier of a plurality of field identifiers. The method may further include, determining the plurality of field identifiers of the data set. A plurality of formatting preferences associated with the plurality of field identifiers may be received. A request to generate a first aggregated data set comprising an aggregation of two or more data entries of the plurality of data entries may be communicated. The aggregation may be based on the plurality of formatting preferences. A pivot table may be generated according to the formatting preferences and the aggregated data set. The first pivot table may comprise at least one column field, a plurality of row fields, and a plurality of table entries.

Abstract: Aspects of the disclosure relate to a provisioning of a savings plan for one or more users. In some embodiments, a plan may be generated based on an analysis of information associated with a user. The plan may be adapted or modified over time, optionally in response to the occurrence of one or more events. In some embodiments, a user may have an opportunity to modify a term, value, or condition associated with the plan or a portion thereof. In some embodiments, a user may be provided an incentive for participating in the plan. For example, a user may receive a contribution or be enrolled in a lottery.

Abstract: Embodiments of the invention are directed to collecting one or more expressions of interest from a user, where the one or more expressions of interest indicating potential interest in one or more financial products or financial services. Then, using a processing device, an interest index is calculated based at least in part on the collected one or more expressions of interest from the user. The interest index is configured to quantify a level of interest expressed by the user for one or more financial products or financial services. Next, based at least in part on the interest index, a level of engagement for deepening a relationship with the user is determined. Finally, one or more offline marketing efforts for deepening the relationship with the user are initiated based on the determined level of engagement.

Abstract: Examples of systems, methods, apparatuses, and software are described in which a mobile device may receive information about a subset of ATMs, VTMs, and/or retail banking locations (and/or other points of interest) based on both the speed and location of the mobile device. The size and/or shape of geo-fences established around each of the subset may also depend upon the speed and/or location of the mobile device. The mobile device may alert the user as to when the mobile device is within one of the speed and/or location-variable geo-fences.